FHA Loan Limits in Ventura County, California (2026)
Ventura County and the rest of Ventura County, California fall under a 2026 one-unit FHA limit of $1,017,750. As a high-cost county, that ceiling runs above the $541,287 national floor.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $1,017,750 |
| Two-unit (duplex) | $1,303,001 |
| Three-unit (triplex) | $1,575,114 |
| Four-unit (fourplex) | $1,957,465 |
These 2026 limits apply throughout Ventura County, from Ventura County outward, and sit alongside the limits set for neighboring Los Angeles and San Diego Counties.
How much home can you afford in Ventura County?
Homes around Ventura County carry an estimated local median near $820,000, so an FHA buyer in Ventura County puts down about $28,700 (3.5%). With California's 0.75% effective property-tax rate, the all-in payment runs near $5,949 a month — comfortable on household income around $230,000, above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in Ventura County
FHA payments across Ventura County price points — from entry homes near Ventura County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $590,000 | $20,650 | $4,313 |
| Local median — $820,000 | $28,700 | $5,949 |
| At the FHA limit — $1,017,750 | $35,621 | $7,356 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near Ventura County too — get notified.
In Ventura County and the surrounding Ventura County market, FHA's appeal is the math: $28,700 down on a $820,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Ventura County
Ventura County's 2026 multi-unit FHA limits reach $1,303,001 (duplex), $1,575,114 (triplex), and $1,957,465 (fourplex) — so a buyer in Ventura County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Ventura County for 2026?
- In Ventura County (Ventura County), the 2026 FHA limit is $1,017,750 for one unit, $1,303,001 for a duplex, $1,575,114 for a triplex, and $1,957,465 for a fourplex.
- What income do I need to buy in Ventura County with FHA?
- For a median-priced ($820,000) Ventura County home, plan on income around $230,000 at a 31% housing ratio — about $5,949/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Ventura County?
- 3.5% with a 580+ score — roughly $28,700 on a $820,000 Ventura County-area home. Gift funds are allowed.
- Is Ventura County a high-cost FHA area?
- Yes — Ventura County's $1,017,750 one-unit limit tops the $541,287 national floor.